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Can someone explain me please what it means in practical terms?
I went on Compare the market website, provider my details, selected no claim bonus earned on a company vehicle and got the following quotes for LOTUS ELETRE (!) So how this premium can affect us, the plebs, who are not permitted anymore to have fancy cars?
Our cheapest car insurance deals for you:
AO73YBG
Admiral LittleBoxTotal:
£473.70
Total excess:£850.00
Go to your quotes
Admiral Essential
Total:
£487.85
Total excess:£850.00
Go to your quotes
Admiral
Total:
£542.06
Total excess:£850.00
Go to your quotes
Sent from a mobile device.
Apologies for briefness and spelling mistakes.Motability Skoda Enyaq SportLine 85x April 2024 (unhappy customer - Ombudsman pending)
Motability Mazda CX-60 PHEV July 2023 (unhappy customer - early termination on mechanical grounds)
Motability VW Touran Family Pack May 2019 (happy customer)
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Unless you have a statement from Direct Line Insurance with your no claims bonus, you will have to enter the details as “Zero no claims bonus”.
Try that and see what the figure gives you.
Unless you have a statement from Direct Line Insurance with your no claims bonus, you will have to enter the details as “Zero no claims bonus”. Try that and see what the figure gives you.
No need. It’s dead easy to get proof of No Claims history from Motability’s insurers. There’s even a button to request it on the Motability website!
Unless you have a statement from Direct Line Insurance with your no claims bonus, you will have to enter the details as “Zero no claims bonus”. Try that and see what the figure gives you.
No need. It’s dead easy to get proof of No Claims history from Motability’s insurers. There’s even a button to request it on the Motability website!
Not so.
The last insurer had the button as well, and I requested proof of no claims bonus and filled in the form before the handover to Direct line, but never received anything.
Hopefully Direct Line are better than the last lot. Given that the no claims bonus will only apply to the years with Direct line, which is not much at all.
When I left Motability in 2018 LV insurers accept my word that I had the 5 year NCB without even asking to see the Good Driver letter from the then RSA.
I assume that information is all on a shared insurers data base.
Unless you have a statement from Direct Line Insurance with your no claims bonus, you will have to enter the details as “Zero no claims bonus”. Try that and see what the figure gives you.
No need. It’s dead easy to get proof of No Claims history from Motability’s insurers. There’s even a button to request it on the Motability website!
Not so. The last insurer had the button as well, and I requested proof of no claims bonus and filled in the form before the handover to Direct line, but never received anything. Hopefully Direct Line are better than the last lot. Given that the no claims bonus will only apply to the years with Direct line, which is not much at all.
With RSAM, you had to phone and request proof of no claims.
What if you’re not the person leasing the Motability car but are a named driver, will they give you any no claims?
Enyaq EV
What if you’re not the person leasing the Motability car but are a named driver, will they give you any no claims?
As with outside the scheme, named drivers do not accrue any NCB.
I am leaving the Motability scheme tomorrow after 12 years. We have a special needs daughter and my wife was the appointee for PIP. My wife has never driven a car and I was the main driver, so in 12 years there has been only myself that has driven the car.
Direct Line has sent me a letter with my no claims history, and I got a telephone quote for my new private car from Direct Line who said they would accept the full 12 years no claims history bonus. The quote was very expensive, and was told to try comparison web sites.
Looking at two comparison web sites there was a vast variation in the prices between insurance companies.
I have taken insurance out with Admiral, a Gold policy with zero no claims bonus but at nearly £250 cheaper than the price of the Direct Line with full no claims, same excess cost and cover.
I am leaving the Motability scheme tomorrow after 12 years. We have a special needs daughter and my wife was the appointee for PIP. My wife has never driven a car and I was the main driver, so in 12 years there has been only myself that has driven the car. Direct Line has sent me a letter with my no claims history, and I got a telephone quote for my new private car from Direct Line who said they would accept the full 12 years no claims history bonus. The quote was very expensive, and was told to try comparison web sites. Looking at two comparison web sites there was a vast variation in the prices between insurance companies. I have taken insurance out with Admiral, a Gold policy with zero no claims bonus but at nearly £250 cheaper than the price of the Direct Line with full no claims, same excess cost and cover.
Oh thats an excellent result. Good to know.
I,ve been with Direct Line for years before Motability and they were very fair to be honest. But that is excellent, good news for a change.
As there’s quite a bit of conflicting information on this thread (in fairness, not helped by me) and this issue affects me directly as we are also leaving Motability, I thought that the following update, based on a phone call to Motability Direct Line Insurance this afternoon, and some revised quotes that I’ve run with Compare the Market, might be of interest.
As my wife (who is the benefit recipient) can no longer drive, I am the named driver. Although I hadn’t had an accident for decades, unfortunately I had an argument with a skip on my drive at the end of 2021 (don’t ask 😳) so I had run insurance quotes assuming that I’d get No Claims Discount for the 4 years since then. Like @chastw the quote that had attracted me most, whilst not the cheapest, was Admiral Gold at a cost of £658 fully comprehensive with £250 voluntary and £500 compulsory excess. This is for a new BMW X5 M60i with a retail price of £110k and is the highest insurance group (group 50).
I called Motability Direct Line insurers this afternoon to find that they do not provide any No Claims Discount letters for anyone (policyholder or named driver) but they will issue a letter (or email if you prefer) of your claims history, which many insurers will accept.
Having established this I have re-run the insurance quotes, this time saying that I had zero no claims history. When I did this it enabled me to input how long I had driven another car that wasn’t mine since the last claim, so I could answer 4 years. I also inputted the detail and cost of the 2021 ‘skipgate’ claim. Finally, I clicked on ‘get quotes’ and whilst waiting I could feel my blood pressure rising, expecting the £658 to suddenly become around £5k! Thankfully, I needn’t have worried. Still with Admiral Gold (even though still not the cheapest) the revised quote is £686 – a massive increase of £28!
Hopefully my experience will save others considering leaving Motability the hours stress that I have had. If you use Compare the Market you will hopefully be able to input your driving record and even with zero no claims history still be able to get an affordable quote 🤞
Hi Glos Guy
I did the compare the market and although not the cheapest, Admiral Gold however looked the most attractive to me.
After the quote you have to contact them by phone, we double checked all the information I had submitted, I had a “ no fault” accident when a girl ran into the back of my car causing very minor damage. I had a new pre painted bumper fitted at home through RSA insurance this was August 2021. All insurances stated that the incident did not effect my no claims bonus.
Admiral only want to know about claims up to 3 years, unlike others that use the last 5 years.
Which is why yours didn’t increase in cost that much. Admiral were great to do business with.
What I find frustrating is, because I am not the named policyholder because my wife is classed as the main carer, thus the appointee. Being the named driver in special circumstances, they recognise my driving record, some accept my no claims discount, others don’t. But if I had an accident they would all count the accident.
Thanks @chastw that’s useful to know. I’ve used Admiral in the past and am happy to do so again. Their basic packages are cheaper, but like you I picked Gold as it includes legal cover, courtesy car etc, in fact pretty much everything other than breakdown cover, which you don’t need with a new car as it’s already covered with the manufacturer’s warranty.
Thanks Glos Guy, Kezo, and others who have made my experience on Motability more enjoyable by following advice and information on this forum.
I will still look forward to read the topics on a regular basis in the future.
With my insurance options I payed an extra £26 for an equivalent courtesy car to my current car, which having a special needs daughter is a must.
And now back to my original question – what all that fuss about Insurance Premium if we have just established that even vehicles over £70,000 can be insured for £500-700 per annum?
Am I correct to assume that premium will be circa £20-£30?Sent from a mobile device.
Apologies for briefness and spelling mistakes.Motability Skoda Enyaq SportLine 85x April 2024 (unhappy customer - Ombudsman pending)
Motability Mazda CX-60 PHEV July 2023 (unhappy customer - early termination on mechanical grounds)
Motability VW Touran Family Pack May 2019 (happy customer)And now back to my original question – what all that fuss about Insurance Premium if we have just established that even vehicles over £70,000 can be insured for £500-700 per annum? Am I correct to assume that premium will be circa £20-£30?
TBH I don’t think it was clear what you were asking, hence @wmcforum response. I’m still not entirely sure what you are asking. Are you referring to the changes from July? If so, that less about premiums and more about the government adding Insurance Premium Tax (12%) to Motability. As it’s a block insurance policy, the whole scheme is insured, rather than individual cars and drivers, so the effect per driver (given that the cost of insurance per driver will be significantly less than if all those drivers insured individually) is going to be relatively low, so your £20-30 p.a. is probably about right.
However, I believe that Motability are hoping that the other changes that they are bringing in (removing overseas cover etc) may be able to offset most or all of that cost. The bigger issue is likely to be the 20% VAT on advance payments. I suspect that the majority of that will be passed on to customers through the ever increasing APs.
That’s the badger. Thank you, @GlosGuy
Sent from a mobile device.
Apologies for briefness and spelling mistakes.Motability Skoda Enyaq SportLine 85x April 2024 (unhappy customer - Ombudsman pending)
Motability Mazda CX-60 PHEV July 2023 (unhappy customer - early termination on mechanical grounds)
Motability VW Touran Family Pack May 2019 (happy customer)I found with Admiral they’re very cost competitive but only for the first year. Every quote I got from Admiral later was way more expensive than everyone else for some reason and it’s not the area we don’t really have vehicle crime here, maybe a spade stolen from the allotments lol.
I never had to claim but at least for that first year Admiral were very cost effective
I found with Admiral they’re very cost competitive but only for the first year. Every quote I got from Admiral later was way more expensive than everyone else for some reason and it’s not the area we don’t really have vehicle crime here, maybe a spade stolen from the allotments lol. I never had to claim but at least for that first year Admiral were very cost effective
From memory, I was with them for some years and they were still competitive, but I have always run price checks every year and have no hesitation in switching if it’s worthwhile. Thankfully it’s very easy to do so these days.
I might be able to help a little bit here Glos Guy.
1- Some insurers will accept Motability NCD as “Earnt NCD” others will accept it as “Claim Free Driving” which is similar to ex-company car users. It’s important to find the insurers that accept it as Earnt NCD as this becomes portable at renewal if their rates become uncompetitive. In the case of “Claim Free Driving” you could be in a situation at renewal of being in recept of 1 year NCD equivalent to 60/ 65%
2- Similar with NCD transfer. It used to be on an insurer basis. Some would allow transfer from policy holder to named driver in the event of the policyholder not being able to drive. Normally, this would be allowable if A- Spouse B – Named driver was on policy for period of NCD years transferring C – Health reasons only. Other insurers may have only done this in the event of death.
3 – Your circumstances (accident). When I was an “expert” in this field there were many insurers that would allow their own step-back scale. Senario, possibly your case, you had 9 years NCD (most insurers max) and had an accident in 2021 – they step you back once on their scale, that could be from 9 to 4 years. You would have earnt 3 or 4 years since then (depending on your renewal date). You could potentally have 7 or 8 years to use now.
Thanks @NFI70 I think I get most of that! I was staggered that the quotes for such an expensive and powerful car were so reasonable, but I guess that my age and the facts that I live in a low risk area and the car is always kept overnight in a locked garage are the main factors. Either way, after the first year I will be starting to build up conventional NCD in my own right again.
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